I will chime in, not sure of this is normal for Mastercraft dealers but at my local dealer in Texas (Near San Antonio) they have told me that 75% of their buyers pay cash. The rest typically have loans ranging from 6-15 years. When I bought my X2 last year I paid cash, the guy I sold my 03 X30 to for 35K put down 15K and financed the rest for 5 years.